Buying a home involves many complex processes and negotiations. Before you decide to go it alone, ask yourself if you are qualified to interpret the various disclosures, reports, and addendums used in today's real estate transactions. Remember, in Northeast Florida the Buyer's Realtor is paid by the builder or seller, so why not have someone on your side?

Below is a listing of just some of the inspections, documentation, and responsibilities encountered during the homebuying process that Phyllis Staines will be responsible for assisting you with:

The Hazardous Materials Inspection Report
The Soils Report
Seller's Disclosure or Latent Defects Report
Lead Based Paint Disclosure
Mold Disclosure
Appraisal Addendum
The Structural Engineer's Report
The Home Inspection Report
The Radon Inspection Report
The Termite (WDO)Inspection Report
The Home Warranty Policy
The Survey
The Subdivision Plat Map
The Floor Plan Drawings
The Current Appraisal (within the last 3 months)
The Current Well Inspection Reports (within the last 3 months)
a. The Potability Report
b. The Production Report
c. The Recovery Rate Report
d. The Well Permit
e. The Well Log
The Current Septic Inspection Reports (within the last 3 months)
a. Evidence that septic tank has been pumped
b. The Septic Inspection Report
c. The Septic Permit
Subdivision Covenants
HOA Rules and Regulations
Easements or Encroachments affecting the property
Rights of Way affecting the property
Building Permits for all improvements on the property
Owner's list of all improvements done without building permits
Owner's list of all non conforming uses of the property
Flood Zone Information
Zoning and Use Information
Mining, Abandoned Mines and Subsidence Potential Information
Legal proceedings which may affect the property
a. Foreclosure Proceedings (current or anticipated)
b. Tax Liens or Filings (current or anticipated)
c. Lis Pendens (notice of legal actions to be filed)
d. Lawsuits (current or anticipated)
e. Bankruptcy (current or anticipated)
f. Divorce Proceedings or Decrees (current or anticipated)
g. Zoning or Use Changes affecting the property
h. Other
Encumbrances affecting the property
Loan Information (if assumption)
a. Lender name, address and phone number
b. Loan Number
c. Loan Balance
d. Loan Date, Rate, Term, Amount and Conditions
Monthly Utility Bills for Last 12 Months
a. Electric
b. Gas (propane, oil, etc.)
c. Water
Owner's list of all energy features
The Home Energy Efficiency Rating Report
Home Owner Association information (name, address, and phone)
Owner's list of all major repairs or improvements (including date)
Owner's list of all Warranties which are still current
Information on neighborhood organizations/amenities
Information about area schools and churches
Access to private and public transportation
Megan's Law information
Synthetic Stucco (Exterior Insulation and Finishing System)
Any additional documentation owner has about home or property
List of the best features of the home, property and area
List of the worst features and how they would affect you
Anything else that might be of interest to you